In particular, NACTO finds that low-income people may especially benefit from installment options or monthly memberships. While evidence suggests that the total cost of an annual bike share membership is not an insurmountable barrier for most low-income people, many low-income people have difficulties coming up with the lump-sum payment for annual membership. Indeed, NACTO’s analysis of comparable transit pass purchases reveals that low-income people are more likely to purchase short-term memberships than people in higher income brackets.